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It describes how the third party should notify their insurer and outlines available “assumption of liability” form letters for insurer-employed and independent adjusters. The procedure also covers discretion on identifying loss type and key cautionary notes for latent defect claims under Quebec Civil Code section 1739.",{"@graph":63,"@context":110},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":41,"@type":70,"position":76},"https://docshare.wps.com/template/letters/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/property-damage-liability-notice-procedure-for-claims-adjusters-letter-guidance/279129/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/property-damage-liability-notice-procedure-for-claims-adjusters-letter-guidance/279129.png","ImageObject",442,249,{"name":88,"@type":89},"Aditya","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/pdf","2026-10-25","2026-09-15",true,{"@type":98,"interactionType":99,"userInteractionCount":15},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104],{"name":105,"@type":106,"acceptedAnswer":107},"Why must the notice not be used for latent defect claims?","Question",{"text":108,"@type":109},"If latent defects appear to be the source of the damages, Quebec Civil Code section 1739 requires notice of the defect to the property seller, including a reasonable time for the seller to note the defect and resulting damages and to correct it.","Answer","https://schema.org",{"og:url":78,"og:type":112,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":114,"canonical":78},"index,follow",{"doc_id":116,"site_id":56},279129,1790010718,{"code":4,"msg":5,"data":119},{"doc_id":116,"user_id":120,"nickname":88,"user_avatar":121,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":122,"file_id":123,"file_url":124,"file_type":125,"file_size":126,"view_count":15,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":9,"language":127,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":128,"faqs":129,"seo_title":130,"seo_description":61,"update_tm":131,"read_time":4},962085564549,"https://ap-avatar.wpscdn.com/davatar_085a072bc5b1113ac321206ff7593b45","PROCEDURE  \nCLAIMS ADJUSTERS  \nNotice of property damage liability  \nA letter may be required when a claims adjuster, after having begun his investigation, informs a third party who could be held liable for the damages caused to an insured that he may incur third-party liability. When this notification is made, the third party is also encouraged to notify his own insurer of the procedure underway.  \nEXAMPLES OF LETTERS FOR CLAIMS ADJUSTERS  \nTwo “assumption of liability” form letters are available: one for claims adjusters employed by insurers and the other for independent claims adjusters mandated by insurers.  \nDepending on the cause of the damages, the decision whether or not to identify the type of loss is left to the discretion of the claims adjuster and the insurer.  \nCAUTIONARY NOTES  \nThis Property Damage Liability Notice must not be used in the case of claims where latent defects appear to be the source or cause of the damages. Under such circumstances, section 1739 of the Quebec Civil Code requires that the seller of the property be given notice of the defect in the property, such as a building, within a reasonable period of time. This notification must not only identify the defect affecting the property but must also give the seller a reasonable period of time to come and take note of the defect and the resulting damages, and give him the opportunity to correct the defect.  \nIt is up to the claims adjuster to obtain precise instructions from the insurer in the case of damages due to latent defects, including the possible use of a non-waiver agreement.  \nAfter the Property Damage Liability letter is sent to the third party:  \n• In the majority of cases, the claims adjuster will receive a letter from the claims adjuster mandated by the insured guaranteeing third-party liability.  \n• Together, the two adjusters decide upon how they will deal with this part of the claim in keeping with their respective mandates.  \n• They may exchange certain supporting documents, in other words,“subrogation documents”, in order to speed up the reimbursement process in situations where third-party liability is clear.","cbCaiulxy85hI36h","https://ap.wps.com/l/cbCaiulxy85hI36h","pdf",168887,"English","# Notice of property damage liability\n## Examples of letters for claims adjusters\n## Cautionary notes\n## Post-notification steps","[{\"question\":\"Why must the notice not be used for latent defect claims?\",\"answer\":\"If latent defects appear to be the source of the damages, Quebec Civil Code section 1739 requires notice of the defect to the property seller, including a reasonable time for the seller to note the defect and resulting damages and to correct it.\"}]","Property Damage Liability Notice Procedure for Claims Adjusters - Letter Guidance | PDF",1789515741]